Total Cost of Care Calculator

Understanding the Full Picture: Your Total Cost of Care Calculator for Physical Therapy

There are many variables to consider when calculating total cost of care in physical therapy. Numerous direct, indirect, and intangible costs can easily be overlooked when calculating potential expenses over a period of time. Furthermore, indirect and intangible costs can be challenging to value and quantify, as people perceive and prioritize things differently based on individual reasons. While our calculator isn't a perfect model, it does highlight why it's essential to look at the bigger picture when making a decision:

• Convenience Matters: Sometimes, the most easily accessible option can save you time, money, and stress. However, there might be times when the quality of care is better elsewhere, or your condition isn't time-sensitive.
• Child Care Costs: If you have children, you might need to account for additional care costs during your treatment sessions, or while carrying out your home exercise program.
• Time Off Work: Missing work can mean potential lost income. It's essential to consider both the financial impact and the possibility of using your paid time off (PTO).
• Place of Service: Different settings, such as hospitals or private clinics, come with varying costs. Hospital clinics, or clinics owned by a big health system, often have prices that are multiple times higher than independent outpatient clinics.
• Referral Needs: Some insurance companies may require a referral from a Primary Care Physician (PCP), adding to the process and cost of obtaining physical therapy care. The good news is you can usually bypass all that.
• Insurance Benefit Levels: Your insurance might cover more or less depending on where and how you get treatment, and what the status is of your benefits level during a given time of the year.